Many believe that the economy is the most important factor affecting real estate appreciation. Clearly, interest rates, employment, business growth, government programs and a handful of other national factors have a definite effect on your property's worth. But the most important factors that determine your home's value are specific to the local Topton economy and housing market.

Access to services - Proximity to schools and jobs also have a major influence on almost all home buyers' choices. So these areas generally appreciate, or retain their value, best.

Real estate sales trends - What's the time on market? Are sellers having to discount much or offer concessions A lot of data can often be obtained from public records, but a good agent with a login to the local MLS will usually be able to provide a more complete picture.

The appreciation history - Is the neighborhood believed to be desirable because of its location or affordability? Have house prices risen or declined over the past 5-10 years?

Local economy - Is there a nice mix of jobs in an area, or does it rely upon just one industry? Have businesses moved into or away from an area? Are local companies hiring? Each of these things plays a role.